How they describe themselves: Meniga offers white-label mobile and web-based Personal Finance Management (PFM) and next generation online banking solutions to retail banks. It helps banks’ customers better manage their personal finances while helping banks realize business benefits through data mining, cross-sales, and improved retention and customer satisfaction.

To achieve true mass appeal and reach even people who usually avoid facing their finances, Meniga uses social curiosity, humor, and gaming concepts to engage users to think about their money. Meniga’s PFM Solution is offered by five European retail banks in Sweden, Norway, and Iceland where it is used by over 20% of households.

How they describe their product/innovation: Meniga is expanding its PFM Solution so that it completely merges with the traditional online/mobile bank, adding highly user-centric interfaces for several key online banking functions, such as bill-pay, alerts, and account presentation.

The interface de-emphasizes real accounts and actual balances and instead shows “uncommitted balance” and virtual accounts that are better aligned with how people think about their money. It allows users to automate routine tasks and includes an alert framework designed to bring peace of mind by alerting users before bills go unpaid or before any account’s balance becomes too low to meet commitments and forecasted expenses.

Contacts:

Bus. Dev. & Press: Georg Ludviksson, CEO, [email protected], +46 767822146
Sales: Duena Blomstrom, Director of International Sales, [email protected], +46 708620578

How they describe themselves: The inability to prove identity online to Anti-Money Laundering (AML) and Know Your Customer (KYC) regulation is a massive barrier to trade. Seventy to ninety percent of financial transactions are terminated when the customer is required to provide physical proof of identity. Processing fees for opening a current account are £50-£80.

miiCard, My Internet Identity, allows a consumer to prove their identity to AML/KYC standard purely online, allowing a vendor to identify an individual with a level of assurance that supports the real-time online sale of regulated financial products or replaces the need for a ‘wet signature’ reducing operational costs and increasing conversions.

miiCard creates trust, protects consumers, and fights against fraud, and will help us to realise the full potential of the digital economy by allowing us to do higher value business purely online.

How they describe their product/innovation: miiCard uses information only a user would know, accesses details to their online bank account, and creates a secure, encrypted link to this account which has already approved a primary identity check to meet AML/KYC regulations. miiCard utilizes Yodlee’s global account aggregation to provide validation weightings and traceability of source required by finance industry guidelines. Each point of validation is rechecked daily for accuracy and suitability. Vendors establish appropriate level of assurance requirements for their product/service. miiCard then allows those vendors to identify an individual with enough assurance to support the transaction, like the sale of a regulated financial product.

Contacts:

Bus. Dev. & Sales: James Varga, CEO, [email protected], +44 (0) 7957 143 996
Press: Sarah Lee, Hot Tin Roof, +44 (0) 131 225 3875/+44 (0) 776 654 2110

How they describe themselves: Mootwin is a Mobile Application Platform editor that helps the bank/finance sector fix their mobile channel strategy and keeps their promise of total mobility. We provide optimum mobile services regardless of the network’s situation for a maximum user-experience.

Based on the company’s patented technology, Mootwin Foundation enables customers to create and manage highly connected applications, easily integrated into an existing enterprise’s IT. Completion of any transaction is carried out within short time. As a result of the original architecture of the applications, only changed data is pushed in real time onto the mobile device, avoiding systematic loading of the full page. Data and battery consumption is reduced, as is maintenance and subsequent development costs, enabling faster time-to-market and return on investment.

How they describe their product/innovation: Mootwin’s patented technology offers a “one stop shop” value-added solution for all customer-centric mobile needs. It consists of one tier of native application on a mobile device and two tiers of transactional data access on the middleware platform (the Mootwin Foundation.). No sensitive data is stored in the device.

The value proposition is based on the ability to:

• Easily connect devices to enterprise information system
• Manage and guarantee secured, resilient and reliable link
• Complete any transaction
• Manage scalability
• Push real-time content

Contacts:

Press: Sophie Renault, Marcom Assistant, [email protected]
Sales: Claude Lemardeley, CEO, [email protected]

How they describe themselves: Nutmeg is an online investment manager that democratises saving and investing. We offer academically rigorous, diversified portfolios to people of all levels of wealth. Nutmeg is smart, fresh, straightforward and human. The simplicity of Nutmeg empowers the user by putting them in control of their money. Nutmeg translates what users tell us about their saving and investing ambitions and helps the user to achieve their goals for the lowest risk and volatility, through the application of the latest portfolio theory. Nutmeg is the product of twelve months design-led ethnographic research to discover how people think about, feel and treat money as a component of their everyday lives. The conclusions result in breakthrough ways of managing and facilitating savings and investments for retail clients, non-profits and corporations. Nutmeg’s financial personality tests are a paradigm improvement in the level of understanding of tolerance for volatility, relative to current industry standard.

How they describe their product / innovation: Nutmeg makes saving and investing simple. Simply choose your investing goals, when you will need your money and how much you can invest. Nutmeg then assesses your personal circumstances, checking affordability and suitability, before implementing and actively managing a personalised investment portfolio that is diversified across geographies and asset classes. Crucially, the user has control over the target level of volatility by considering probable outcomes on illustrations that demonstrate expected returns. Nutmeg offers a high class saving and investing experience and comprehensive user support, even for users with limited wealth. Regular portfolio rebalancing, a rewards scheme that improves returns by lowering fees, and intuitive data providing a clear portfolio breakdown allows anyone from the most experienced to the novice investor to take control. No longer will personal investing solely be the domain of the rich. Nutmeg offers a true alternative to expensive trading or being forced into a low-interest bearing bank account.

Contacts:

Bus. Dev and sales.: Nick Hungerford, CEO, [email protected]
Press: Jack Tavistock, [email protected]

How they describe themselves: PayPal is the faster, safer way to pay and get paid online. The service allows people to send money without sharing financial information, with the flexibility to pay using their account balances, bank accounts, credit cards, or promotional financing. With 103 million active accounts in 190 markets and 25 currencies around the world, PayPal enables global commerce. PayPal is an eBay (Nasdaq:EBAY) company. PayPal is headquartered in San Jose, Calif. and its international headquarters is located in Singapore. More information about the company can be found at www.paypal.com.

How they describe their product/innovation: You can open a PayPal account in 30 seconds from the secure environment of la Caixa’s home banking. We use our combined APIs to leverage the verified customer information that la Caixa has from its clients to speed customers through the PayPal account creation flow. All you need to do is choose your email address and decide on a password and with a couple of clicks, you can have your PayPal account up and running with a verified card linked to it.

Contacts:

Bus. Dev.: Estanis Martin de Nicolas, General Manager, PayPal Spain & Portugal, [email protected]
Press: Paco Moreno, Content Manager & PR, PayPal Spain & Portugal, [email protected]
Sales: Susana Voces, Head of Merchant Services, PayPal Spain & Portugal, [email protected]

How they describe themselves: Ping Identity | The Cloud Identity Security Leader

Ping Identity provides cloud identity security solutions to more than 700 of the world’s largest companies, government organizations, and cloud businesses. With a 99% customer satisfaction rating, Ping Identity empowers more than 40 of the Fortune 100 to secure tens of millions of employees, customers, consumers and partners, using secure, open, standards like SAML, OpenID and OAuth. Businesses that depend on the Cloud rely on Ping Identity to deliver simple, proven, and secure Cloud Identity Management for cloud single sign-on, mobile app identity security, API security, centralized IT control of Cloud access, and customer and employee identity and access management.

How they describe their product/innovation: Leveraging Social Networking in Online Banking

Ping Identity will show how it is possible to use social networking logins to increase customer conversion rates, reduce and simplify risk management, reuse existing infrastructures and technology investments, and increase business agility.

Contacts:

Bus. Dev.: Andrew Hindle, International Business Development Director
Press: Clare Rees, EMEA Marketing Director, [email protected], 0203 286 4489 & Gemma Rowlan, Hotwire PR, [email protected]
Sales: Jason Goode, EMEA Regional Director

How they describe themselves: MasterCard is a global payments and technology company. It operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.

How they describe their product/innovation: MasterCard inControl is an innovative, flexible service, which enables issuers to easily introduce payment products that offer unparalleled controls and real-time alerts to both consumer and commercial cardholders. The suite of inControl offerings satisfies strong end-user needs for high security and controlled access to spending accounts, while providing cost-efficiencies and speed-to-market for issuers without the need for any changes in the payment process at the merchant.

Contacts:

Bus. Dev.: Dana Duman, VP MasterCard inControl, Emerging Payments, [email protected]
Press: Joanne Trout, Senior Business Leader, MasterCard Worldwide Communications, [email protected]
Sales: Chris Benedict, Senior Business Leader, Expert Sales, [email protected]

How they describe themselves: Micronotes is a digital marketing company that partners with financial institutions to bring relevant high-value promotions to bank customers. Micronotes targets bank and merchant promotions algorithmically, and for high consideration products like auto loans and mortgages, conducts one-on-one online interviews to get the right promotion for the right product to the right customer. Micronotes’ products include:

• Yodlee Offers™, a private-label merchant-funded offer application, featuring 500+ brands, for financial institutions
• KulaX™, a radically productive cross-sell platform for financial institutions that delivers more leads faster.

How they describe their product/innovation: KulaX™ is a cross-sell engine that enables financial institutions to leverage their online banking platform to generate more leads faster without interfering with core banking functions. Online banking customers are targeted with the “next best product” where they are invited, at logout, to engage in an automated one-on-one microinterview with their financial institution about their financial products’ needs and preferences. Upon interview completion, customers are presented with special offers for the FI’s products and services that have been tailored based on interview responses; requested offers are emailed to the customers. KulaX™ has generated 5 leads per 1000 online customers per week in field application.

Contacts:

Bus. Dev., Press & Sales: Christian Klacko, SVP Field Operations, [email protected],
617-401-2175

How they describe themselves: miiCard’s digital passport allows a consumer to prove that “I am who I say I am” purely online and in real-time, to an Anti-Money Laundering standard, without the need for a physical ID check.  Owned and managed by the individual, miiCard allows the consumer to track, monitor and thus take control of their online identity.  For businesses selling online to consumers, miiCard improves conversion rates, cuts operational cost and fights internet fraud.

How they describe their product/innovation: Simply put, we have a catalyst for change in miiCard – a user-centric federated identity that can truly change the way we transact online.  A new proposition in the Electronic Identity and Verification (eID&V) marketplace, miiCard for the first time offers the capability to establish online trust purely online and in real time.  Whilst other identity providers and credit reference agencies validate information about someone – such as their address, credit rating and, more recently, some have introduced behavioral aspects such as questions about transaction history, miiCard validates that a customer is who they say they are. Equally important to the vendors, benefits to the consumer are:

• Security and control of personal data
• Convenience, consistency and simplicity
• Trust between parties in a purely online environment

miiCard is a federated identity service which means it sits between the consumer and the vendor (or other consumer) and provides a level of trust between parties. miiCard can support not only the UK but North America, Western Europe, India, Australia, New Zealand and soon South Africa.

Contacts:

Press: Sarah Lee, [email protected]

How they describe themselves: Mitek Systems is the award-winning innovator of the Mobile Deposit® and Mobile Photo Bill Pay™ applications for smartphones that allow users to deposit checks and pay bills via their devices’ cameras. Mobile Deposit is the leading mobile remote deposit capture product for the financial services industry. It’s accurate, secure, easy to use and complies with all banking industry regulations. Users of Mitek apps simply use their iPhone, BlackBerry or Google Android smartphones to 1) initiate mobile-banking sessions with their FIs, 2) align their checks or bills within their devices’ camera-image frames and 3) snap photos. The apps do the rest in enabling check deposits or bill payments in the RDC format that banks and credit unions require.

How they describe their product/innovation: Mobile Balance Transfer is a new, easy, attractive and cost-effective way for a bank to acquire new credit card customers. The mobile application enables a bank’s customer to use a smartphone camera to take a picture of a competitor’s credit card payment coupon. The customer transmits the information to the bank, which then can offer the customer a better interest rate to incent the customer to open a new credit card account and transfer an existing balance. For banks, Mobile Balance Transfer broadens the reach of traditional balance-transfer-marketing programs, enabling the bank to interact with the customer in real time. By accepting the bank’s offer, the consumer simply transfers his or her outstanding credit card balance to a new credit card account offering a more attractive rate. Consumers gain reduced costs on their credit card accounts and the banks offering Mobile Balance Transfer gain new credit card customers more cost-effectively than previous balance-transfer methods. Mobile Balance Transfer is the latest in a rapidly growing family of mobile-banking applications for banks, credit unions, brokerages and payment-management providers that are all rooted in Mitek’s patented mobile image-capture and data-extraction capabilities.

Contacts:

Bus. Dev.: Drew Hyatt, SVP Sales & Business Development, [email protected],
858-503-7810 x356
Media: Sue Huss, [email protected], 619-379-4396
Sales: Jack Dollard, Marketing & Sales Associate, [email protected], 858-503-7810×325
Investors: Bud Leedom, Finance Director, 858-503-7810 x309

How they describe themselves: Modo converts redemptions into payments, and makes payments mobile.

Modo allows people to redeem offers and pay for things at their favorite stores, using only their phone. When people check-in to Modo, they get instant access to offers, promotions, and deals from a wide variety of sources. When they checkout using Modo, everyone in the offer/deal value chain gets immediate verification and payment for the transaction. Plus, the consumer can use any card they want to fund their part of the purchase. The purchase information for payments using Modo improves the value of the next set of offers on both sides of the equation.

How they describe their product/innovation: We are demonstrating the ability to on-board a merchant for Modo, signup some especially great new users for Modo, and distribute an innovative offer to those super fine users, all in the space of 7 minutes. Oh, and we’re also executing a mobile payment using Modo at a local establishment.

Contacts:

General: Bruce Parker, Chief Executive Officer, [email protected], 214-810-5196
Bus. Dev. & Sales: Walter Chen, Chief Revenue Officer, [email protected], 214-558-6255
Press: Jon Buell, Chief Marketing Officer, [email protected], 214-317-1878

How they describe themselves: A software company specialized in mobile information technologies, Mootwin helps financial institutions better deliver content and services to mobile customers. The Mootwin mobile software solutions have two goals: maximize mobile users’ experience and strengthen clients’ brand value. The company believes that designing innovative mobile solutions should go beyond information delivery, and empower mobile customers with “Action Taking” tools in the palms of their hands.

How they describe their product/innovation: Mootwin patented technology offers a “One Stop Shop” value-added solution to all centric mobility needs. Its unique technology maximizes the mobile user experience thanks to:

• Ability to execute even in the slowest broadband areas
• Real-time financial content delivery (with cutting-edge “push” technologies)
• Highly secured access
• Easy integration to existing enterprise IT

The solution combines one tier of native application on mobile devices, with two tiers of transactional data access on the middleware platform (the Mootwin Foundation), easily integrated into Financial institutions’ information system. The three-tiered Mootwin application architecture delivers a fast Time-to-Market, a quick ROI “beyond expectations” user experience, encouraging brand loyalty.

Contacts:

Sales: Claude Lemardeley, CEO, [email protected]
Press: Sophie Renault, Sales & Marketing Assistant, [email protected]